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19803 Home Insurance Quotes & Rates

Currently, the 8,679 homes within the 19803 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Delaware is around $759 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Wilmington, DE, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 19803.

Delaware is now ranking #44 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Wilmington home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Delaware has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 19803 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Wilmington, Delaware home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Wilmington, DE Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

19803 Home Insurance Average Premiums

Local 19803 homeowners insurance quotes comparison

$509 /yr.

Shows Zip Code: 19803 lowest rates with discounts applied on average.

For the 19803, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$509 /yr.
Average Coverage:$759 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1059 /yr.

What is the average home insurance cost for a home in 19803?

  • • The average homeowners insurance premium paid annually for a home in 19803 is around $759 per year.

What does it cost on average per month for home insurance in 19803?

  • • Homeowners in 19803 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 19803?

  • • Autoowners in 19803 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Wilmington area, check out other zip codes nearby 19803.
Review average rates in another zip code:
19804 homeowners insurance rates
19806 homeowners insurance rates
19810 homeowners insurance rates
19809 homeowners insurance rates
19803 homeowners insurance rates
19808 homeowners insurance rates
19805 homeowners insurance rates
19807 homeowners insurance rates
19802 homeowners insurance rates
19801 homeowners insurance rates

Home Replacement Cost Coverage in 19803

Average Building Cost Per Square Foot in 19803: $149

Location: Wilmington, Delaware (New Castle County)

Average Square Footage in 19803: 2,529 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19803 before you start any project. Wilmington homeowners pay on average around $149 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 19803 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 19803 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,529 sq. ft. and the average cost to rebuild the home in this area is around $149 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Wilmington area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1492,529$376,800
Additional Upgrades & Added Features$1862,529$471,000
Major Home Updates or Advancements$2242,529$565,200

It's important to understand that when you estimate your replacement cost of your home in the 19803 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 19803

Best Home & Auto Insurance Agencies in 19803

Andersen Jr, Herb - State Farm Insurance Agent

Address: 701 Foulk Rd Wilmington, DE 19803
Phone:
Website: http://www.national.citysearch.com/profile/external/2189741/wilmington_de/andersen_jr_herb_state_farm_insurance_agent.html
Info:

Ron Cephas Ins Agcy Inc - State Farm Insurance Agent

Address: 1601 Concord Pike, #60 Wilmington, DE 19803
Phone:
Website:
Info:

Devine, Daniel - Allstate Insurance Co

Address: 2805 Concord Pike Wilmington, DE 19803
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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White- Terry L - State Farm Insurance Agent

Address: 1403 Foulk Rd, #107 Wilmington, DE 19803
Phone:
Website:
Info:

Victor- John C

Address: 4009 Concord Pike Wilmington, DE 19803
Phone:
Website:
Info:

Housing Demographics for 19803

Population Review for 19803 Zip Code

For the city of Wilmington, the population within 19803 has increased to over 21,815 residents in population size. The current population total is 21,886. We have broken down the population based on race below. In 19803, there are over 10417 in male population and 11469 females.

PopulationValues
Total Population21,886
White Population18263
Black Population1055
Hispanic Population909
Asian Population1021
Hawaiian Population7
Indian Population68
Other Population223
Male Population10417
Female Population11469
Population Estimate21815

Household Data for 19803

The average number of homes in 19803 is around 8,679, there are an average of 2.46 per household. The average house value according to local real estate values is around $376,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,679
Persons Per Household2.46
Average House Value$376,800
Income Per Household$116433
Median Age47.6
Median Age Male45.7
Median Age Female49.3
19803 DetailsValues
StateDE
State Full NameDelaware
City TypeP
City Alias Abbreviation
Area Code302
CityWilmington
City Alias NameWILMINGTON
CountyNew Castle
County FIPS003
State FIPS10
Time Zone5
Day Light SavingY
MSA6162
PMSA9160
CSA428
CBSA37980
CBSA_DIV48864
CBSA_TypeMetro
CBSA_NamePhiladelphia-Camden-Wilmington, PA-NJ-DE-MD
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NameWilmington-Newark, DE-MD PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1111
Number Of Employees23871
Business First Quarter Payroll559146
Business Annual Payroll2064042
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5965343
CBSA Division Population705670
Congressional District
Congressional LandArea
Delivery Residential8868
Delivery Business647
Delivery Total11370
Preferred Last Line KeyV21381
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameWilmington, DE-MD-NJ
City State KeyV21381
Land Area12.659000
Water Area0.010000
City Alias Code
City Mixed CaseWilmington
City Alias Mixed CaseWilmington
Box Count307
SFDU7945
MFDU644
State ANSI10
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number096820
Unique ZIP Name
SSA State County Code08010
Medicare CBSA Code48864
Medicare CBSA NameWilmington, DE-MD-NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseNew Castle

Delaware Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]